Call reports 2016
FIDELITY CO-OPERATIVE BANK — 2016
What FIDELITY CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 627,799,000 | 787,717,000 | 777,779,000 | 779,556,000 |
| Total loans | 487,400,000 | 617,810,000 | 609,354,000 | 616,273,000 |
| Allowance for loan losses | 4,300,000 | 4,377,000 | 4,622,000 | 4,951,000 |
| Securities available for sale | 71,883,000 | 88,587,000 | 87,730,000 | 86,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,920,000 | 666,869,000 | 645,181,000 | 658,935,000 |
| Interest-bearing deposits | 404,620,000 | 539,496,000 | 514,267,000 | 518,527,000 |
| Noninterest-bearing deposits | 110,300,000 | 127,373,000 | 130,914,000 | 140,408,000 |
| Equity capital | 53,831,000 | 66,282,000 | 66,830,000 | 66,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,790,000 | 12,773,000 | 19,754,000 | 26,672,000 |
| Interest expense | 641,000 | 1,498,000 | 2,308,000 | 3,137,000 |
| Net interest income | 5,149,000 | 11,275,000 | 17,446,000 | 23,535,000 |
| Noninterest income | 768,000 | 2,946,000 | 3,965,000 | 4,809,000 |
| Noninterest expense | 5,342,000 | 13,075,000 | 18,792,000 | 24,123,000 |
| Provision for loan losses | 95,000 | 281,000 | 514,000 | 822,000 |
| Pretax income | 480,000 | 1,352,000 | 2,640,000 | 3,934,000 |
| Income tax | 57,000 | -211,000 | 94,000 | 457,000 |
| Net income | 423,000 | 1,563,000 | 2,546,000 | 3,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,391,000 | 64,245,000 | 64,453,000 | 65,360,000 |
| Total capital | 56,788,000 | 68,728,000 | 69,198,000 | 70,428,000 |
| Risk-weighted assets | 446,435,000 | 558,043,000 | 564,942,000 | 561,890,000 |